($500 Minimum for all certificates)
06 MONTH CERTIFICATE OF DEPOSIT 1.20% APR
12 MONTH CERTIFICATE OF DEPOSIT 1.40% APR
18 MONTH CERTIFICATE OF DEPOSIT 1.60% APR
24 MONTH CERTIFICATE OF DEPOSIT 1.70% APR
36 MONTH CERTIFICATE OF DEPOSIT 1.80% APR

Compounding and crediting
Dividends will be compounded daily and will be credited to your account at the time of maturity. If you close your certificate account before dividends are credited, you will be subject to an early withdrawal fee and penalties.

Early Withdrawal Penalties
If you close your certificate account before maturity, we may impose an early withdrawal penalty which is equal to 50% of interest to be earned.

Balance Computation Method
Dividends on this account are calculated on the Average Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day. “ADB” means that the Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations
Once this Share Certificate is established, you may not make any additional deposits into this Account until the maturity date of the Certificate.

Renewal
You will be notified at least 10 days prior to your certificate’s maturity date. Your Certificate will not automatically renew at maturity. If you do not respond to the notification that we send, your funds will be transferred to your regular share account.

Insurance
Member Accounts in this Credit Union are federally insured by the National Credit Union Share Insurance fund.